When his wife was hospitalized for an extended period of time, Preston incurred huge medical expenses. He was unable to keep up with his mortgage payments to ABC Bank. He didn’t want to lose his home, so he went to ABC for a loan modification. The bank rejected his request and suggested he reapply in six months. Feeling he had no choice, Preston stopped paying the mortgage. A year later, ABC brought a foreclosure action against him. Preston couldn’t afford a lawyer, so he had to defend himself in court. He went to Courtroom5.
Preston Takes Courses and Workshops at Courtroom5
- In courses and workshops, Preston learns a lot about civil procedure and the legal process. This helps him understand in a general sense what he has to do.
- Preston learns how to set goals. He knows he’ll eventually lose his home, but he doesn’t have to lose quickly. He needs at least two years to get himself together, so he sets a goal of retaining the property for 1000 days.
- Preston learns how to connect his goal to a strategy. His strategy is to delay the foreclosure process until his finances improve. Now, all he has to do is execute the strategy.
- Using a guided template in the Documents Tool, Preston begins to execute his strategy by drafting and filing a Motion for Extension of Time to respond to the complaint.
- He uses the Tasks Tool to keep up with important case-related dates.
- He spends a lot of time using the Laws Tool to find cases and statutes to support his motions and pleadings.
- He visits the community a lot to work on his strategy and to bounce ideas off of other pro se litigants.
Preston Runs His Case
- The judge grants Preston’s Motion for Extension of Time, which gives him 30 days.
- When his time runs out, he has a Motion to Dismiss ready.
- Setting a hearing eats up 2 months.
- Preston files the Motion to Dismiss, and it’s denied. But it takes 4 months to get a decision on it.
- Then, Preston files numerous discovery requests. Ten months later, discovery is still going on.
- Preston’s filing of a Motion to Strike the lis pendens filed by the bank and a related Notice of Deposition and Subpoena delays the case for another 11 months.
- Twice Preston forces the bank to compel discovery, taking up a total of 5 months.
- By the time the mortgage company offers Preston a deed in lieu, he’s been in a new place for 8 months, his family is healthy, and his finances are sound.